VA Disability Calc

Live checker

TDIU Eligibility Checker

Understand Total Disability based on Individual Unemployability — when veterans below a 100% schedular rating may still receive compensation at the 100% rate.

Jump to checker Combined rating calculator

TDIU Eligibility Checker

Check common TDIU thresholds and compare schedular pay vs TDIU (100%) pay with dependents and SMC.

Combined disability rating

Highest single disability rating

I cannot secure/maintain substantially gainful employmentService-connected disabilities are the main reasonI am currently workingAny current work is marginal/protected

Pay options (shared formula)

TDIU (pay at 100% rate; combined rating still displays)Spouse

Number of children (0–8)

Uses official child / spouse+child tables. School-age (18–23) add-ons are not modeled here — verify those on VA.gov.

Dependent parent (1 parent add-on; two-parent / parent+child combos may differ — verify on VA.gov)SMC-K add-on ($139.87)

SMC level (replaces base pay)

Result

You may meet common TDIU consideration thresholds

Combined rating is 70% with a highest single of 40% (common multiple-disability gate: 70% combined with one at 40%+).
You indicated service-connected disabilities prevent substantially gainful employment.

Next steps

Talk with an accredited VSO about filing or clarifying TDIU on a pending claim.
Gather employment history, income records, and medical opinions tying unemployability to service-connected disabilities.
This checker is educational only — the VA decides entitlement based on the full record.

Pay comparison

Exact / rounds to

70.0% → 70%

TDIU monthly pay

$3,938.58

Schedular (no TDIU): $1,808.45 · Difference: $2,130.13

TDIU is true — pay calculated at the 100% rate for your dependent status ($3938.58), while combined rating still displays as 70%.
Total estimated monthly pay: $3938.58.

Combined rating steps

Ratings sorted highest to lowest: 70%.
Step 1: Apply 70% to remaining 100.00% efficiency → adds 70.00 points. Combined so far: 70.00%. Remaining: 30.00%.
Exact combined 70.00% rounds to the nearest 10% → 70%.

“What if” simulator

Add a hypothetical new rating and see how combined % and pay change.

New rating to model

Current combined

70%

With new rating

79.0% → 80%

Current pay

$3,938.58

New pay / change

$3,938.58 (+$0.00)

Show simulated step-by-step math

Ratings sorted highest to lowest: 70%, 30%.
Step 1: Apply 70% to remaining 100.00% efficiency → adds 70.00 points. Combined so far: 70.00%. Remaining: 30.00%.
Step 2: Apply 30% to remaining 30.00% efficiency → adds 9.00 points. Combined so far: 79.00%. Remaining: 21.00%.
Exact combined 79.00% rounds to the nearest 10% → 80%.

What TDIU means for veterans

Total Disability based on Individual Unemployability (TDIU) allows some veterans to be paid at the 100% rate even when their schedular combined rating is lower, if service-connected disabilities prevent substantially gainful employment. Common schedular gates include one disability at 60%+, or a 70% combined rating with at least one disability at 40%+. Extraschedular paths may exist with strong evidence even when percentages fall short.

Confirm your math with the combined rating calculator and compare pay outcomes on the pay chart. P&T status is separate — see the P&T checker after you understand total disability.

Evidence that matters

Rating percentages alone rarely win TDIU. Employment history, income records, medical opinions, and statements explaining why you left jobs usually matter. Marginal or protected work can still fit a TDIU theory. Always verify strategy with an accredited VSO. This site is not affiliated with the Department of Veterans Affairs.